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align=\"center\"\u003e\n\n  \u003ch1\u003e💸 SpendWiser\u003c/h1\u003e\n  \n  \u003cp\u003e\n    \u003cstrong\u003eYour Ultimate Financial Command Center\u003c/strong\u003e\u003cbr\u003e\n    \u003cem\u003eFrom financial chaos to crystal clarity.\u003c/em\u003e\n  \u003c/p\u003e\n  \n  \u003cp\u003e\n    \u003ca href=\"https://spenditwiser.netlify.app/\"\u003e\n      \u003cimg src=\"https://img.shields.io/badge/🚀%20Live-Visit%20Now-success?style=for-the-badge\" alt=\"Live Demo\"\u003e\n    \u003c/a\u003e\n    \u003ca href=\"https://github.com/hariharen9/spendwiser-listener\"\u003e\n      \u003cimg src=\"https://img.shields.io/badge/Companion-Android%20App-A4C639?style=for-the-badge\u0026logo=android\u0026logoColor=white\" alt=\"Android App\"\u003e\n    \u003c/a\u003e\n    \u003ca href=\"https://github.com/hariharen9/spendwiser/stargazers\"\u003e\n      \u003cimg src=\"https://img.shields.io/github/stars/hariharen9/spendwiser?style=for-the-badge\u0026logo=github\" alt=\"GitHub Stars\"\u003e\n    \u003c/a\u003e\n    \u003ca href=\"LICENSE\"\u003e\n      \u003cimg src=\"https://img.shields.io/badge/License-Noncommercial-blue?style=for-the-badge\" alt=\"License\"\u003e\n    \u003c/a\u003e\n    \u003cbr\u003e\n    \u003cimg src=\"https://img.shields.io/github/repo-size/hariharen9/spendwiser?style=for-the-badge\" alt=\"Repo Size\"\u003e\n    \u003ca href=\"eslint.config.js\"\u003e\n      \u003cimg src=\"https://img.shields.io/badge/code%20style-eslint-4B32C3?style=for-the-badge\u0026logo=eslint\" alt=\"Code Style: ESLint\"\u003e\n    \u003c/a\u003e\n    \u003ca href=\"https://app.netlify.com/projects/spenditwiser/deploys\"\u003e\n      \u003cimg src=\"https://api.netlify.com/api/v1/badges/414059e8-62f2-4087-b285-9d18b76cb6cb/deploy-status\" alt=\"Netlify Status\"\u003e\n    \u003c/a\u003e\n  \u003c/p\u003e\n\n\u003c/div\u003e\n\n\n---\n\n## 🌟 Why SpendWiser Will Revolutionize Your Finances\n\n\u003e *\"SpendWiser isn't just an expense tracker. It's a complete financial command center that empowers you with the clarity and tools needed to master your money.\"*\n\n\u003cdiv align=\"center\"\u003e\n  \u003cimg src=\"./Assets/dashboard.gif\" alt=\"SpendWiser Interface\" width=\"900\"\u003e\n\u003c/div\u003e\n\n---\n\n## 🏆 Core Features\n\n\u003cdiv align=\"center\"\u003e\n\u003ctable\u003e\n\u003ctr\u003e\n\u003ctd width=\"45%\"\u003e\n\n### 💰 **Effortless Tracking \u0026 Goals**\n**Automate, Track, and Achieve**\n- **Zero-Touch SMS Automation:** Sync your bank alerts automatically with our companion Android app.\n- **Effortless Expense Tracking:** Log every transaction with ease and intuitiveness. Categorize, tag, and add descriptions for a complete picture of your spending.\n- **Automate Your Finances:** Set up **Recurring Transactions** for bills and subscriptions and never manually enter them again.\n- **Turn Dreams into Reality:** Create **Financial Goals** and track your progress towards your next big purchase, vacation, or investment.\n- **All Accounts in One Place:** Manage checking, savings, and credit card accounts seamlessly.\n- **Easy Data Migration:** Full CSV import/export and secure JSON backup/restore.\n\n\u003c/td\u003e\n\u003ctd width=\"45%\"\u003e\n\n### 🚀 **Financial Strategy \u0026 Analytics**\n**Become Debt-Free Faster \u0026 Plan for the Future**\n- **Loan Repayment Simulator:** Our interactive EMI calculator is a strategic tool to conquer debt. Model prepayments and extra EMIs to see exactly how much interest you'll save and how much sooner you can be debt-free.\n- **At-a-Glance Command Center:** A fully customizable dashboard gives you a complete overview of your financial health.\n- **Predict the Future:** See your projected cash flow and account balances to make smarter decisions.\n- **Insightful Analytics:** Dive deep into your spending patterns with interactive charts and graphs.\n- **Customizable Reports:** Generate detailed reports tailored to your needs.\n\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003ctr\u003e\n\u003ctd width=\"45%\"\u003e\n\n### 🎯 **Intelligent Budgeting**\n**Plan and Monitor with Precision**\n- **Take Full Control:** Set category-based budgets or an overall monthly limit.\n- **Stay on Track:** Visual progress bars and spending alerts notify you before you overspend.\n- **Real-Time Clarity:** See your spending update instantly as you add transactions.\n- **Smart Categorization:** Automatically categorize transactions with AI-powered suggestions.\n\n\n\u003c/td\u003e\n\u003ctd width=\"45%\"\u003e\n\n### ✨ **A Modern UI You'll Love**\n**An Experience Designed for Clarity \u0026 Speed**\n- **Beautifully Responsive:** A seamless experience on desktop, tablet, and mobile.\n- **Deeply Customizable:** Automatic Dark/Light mode and multiple font choices to fit your style.\n- **Fluid \u0026 Fast:** Smooth animations and custom-built components make managing finances a pleasure, not a chore.\n- **Intuitive Navigation:** A clean, user-friendly interface with easy-to-understand controls.\n\n\u003c/td\u003e\n\u003c/tr\u003e\n\u003c/table\u003e\n\u003c/div\u003e\n\n## 🤖 Zero-Touch SMS Automation (The SpendWiser Listener)\n\nForget manual entry. Your financial dashboard should build itself.\n\nWe've engineered a decoupled, **serverless** background pipeline that intercepts your bank SMS alerts the *exact moment* they hit your phone, and instantly drafts them into your SpendWiser dashboard.\n\n- **100% Free \u0026 Open:** By sideloading our open-source companion app natively on Android, we completely bypass expensive bank API aggregators (like Plaid) and restrictive app store policies.\n- **AI Parsing with BYOK:** Bring your own [Google Gemini API key](https://aistudio.google.com/apikey) for instant, intelligent SMS parsing. Your key lives in your private Firebase vault — never on our servers. No key? No problem — the pipeline falls back to a smart Regex engine automatically.\n- **3-Tier Resilient Parsing:** Every SMS runs through a cascading fallback engine: `gemini-3.1-flash-lite-preview` → `gemini-2.5-flash` → Enhanced Regex Parser. Something always works.\n- **Strict Privacy Focus:** Say goodbye to shady apps that sync your entire inbox to third parties. You generate your own UUID API keys, you control the open-source pipeline, and data goes directly to your private Firebase vault.\n- **Real-Time Integration:** A beautifully animated, non-intrusive banner appears over your SpendWiser dashboard instantly. One click on \"Review \u0026 Add\" pre-fills the entire transaction modal for you!\n\n👉 **[View \u0026 Download the Android Companion App Here](https://github.com/hariharen9/spendwiser-listener)**\n\n\u003cdetails\u003e\n\u003csummary\u003e💡 \u003cb\u003eWhy this is a clever \"Technical Loophole\" (The Best Way to Automate)\u003c/b\u003e\u003c/summary\u003e\n\u003cbr\u003e\n\nSpendWiser's approach is a deliberate architectural choice to solve the \"SMS-to-Web\" problem without corporate bloat or privacy compromises:\n\n- **Bypassing Expensive Middlemen:** Traditional apps use aggregators like **Plaid or Yodlee**, which are costly and require you to hand over your bank login credentials to a third party. SpendWiser simply listens to the alerts your bank is *already* sending you.\n- **The \"Native Bridge\":** Modern browsers (PWAs) are strictly prohibited from reading SMS for security. Native apps on the Play Store are also heavily restricted. By providing a **standalone, open-source Android Listener** for sideloading, we bridge this gap cleanly and legally.\n- **Total Transparency:** Because the Listener app is open-source and the Netlify Parser is your own serverless function, you have 100% visibility into where your data goes. No black boxes.\n- **Cost-Free Scalability:** This entire pipeline runs on free-tier serverless functions and your own device. No monthly API fees for the user.\n\nIn short: It provides enterprise-level automation with total user sovereignty.\n\u003c/details\u003e\n\n*(Developers: Read the full architectural specs in [`sms-automation-spec.md`](./sms-automation-spec.md) and [`companion-app-spec.md`](./companion-app-spec.md)).*\n\n---\n\n## 📸 Featured\n\n\u003ctable width=\"100%\"\u003e\n  \u003ctr\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eUnified Dashboard\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./public/assets/gifs/dashboard-compressed.gif\" alt=\"SpendWiser Dashboard\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eTransaction Management\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./public/assets/gifs/transactions-compressed.gif\" alt=\"Transactions Page\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eLoan Repayment Simulator\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./public/assets/gifs/emi-compressed.gif\" alt=\"Loan Repayment Simulator\" width=\"90%\"\u003e\n    \u003c/td\u003e\n  \u003c/tr\u003e\n  \u003ctr\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eIntelligent Budgeting\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./public/assets/dashboard.png\" alt=\"Budgets Page\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eFinancial Goals\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./public/assets/gifs/others-compressed.gif\" alt=\"Financial Goals Page\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eDeep Customization\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./public/assets/login.png\" alt=\"Settings Page\" width=\"90%\"\u003e\n    \u003c/td\u003e\n  \u003c/tr\u003e\n\u003c/table\u003e\n\n## 📱 Mobile First Experience\n\nSpendWiser is designed from the ground up to be a pleasure to use on any device. The mobile interface is clean, fast, and provides access to all the powerful features of the desktop app.\n\n\u003ctable width=\"100%\"\u003e\n  \u003ctr\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eMobile Dashboard\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./Assets/mobile-ss/dash.jpg\" alt=\"Mobile Dashboard\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eMobile Transactions\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./Assets/mobile-ss/transactions.jpg\" alt=\"Mobile Transactions\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eTransactions Log\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./Assets/mobile-ss/trans.jpg\" alt=\"Mobile Budgets\" width=\"90%\"\u003e\n    \u003c/td\u003e\n  \u003c/tr\u003e\n  \u003ctr\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eMobile Credit Cards\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./Assets/mobile-ss/CCs.jpg\" alt=\"Mobile Credit Cards\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eMobile Loans\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./Assets/mobile-ss/loans.jpg\" alt=\"Mobile Loans\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eMobile Settings\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./Assets/mobile-ss/settings.jpg\" alt=\"Mobile Settings\" width=\"90%\"\u003e\n    \u003c/td\u003e\n  \u003c/tr\u003e\n  \u003ctr\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eMobile Login\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./Assets/mobile-ss/login.jpg\" alt=\"Mobile Login\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eMobile Footer\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./Assets/mobile-ss/footer.jpg\" alt=\"Mobile Footer\" width=\"90%\"\u003e\n    \u003c/td\u003e\n    \u003ctd width=\"33%\" align=\"center\"\u003e\n      \u003cb\u003eMobile Budgets\u003c/b\u003e\u003cbr\u003e\u003cbr\u003e\n      \u003cimg src=\"./Assets/mobile-ss/budgets.jpg\" alt=\"Mobile Budgets\" width=\"90%\"\u003e\n    \u003c/td\u003e\n  \u003c/tr\u003e\n\u003c/table\u003e\n\n---\n\n\n\n## 📈 Competitive Advantage\n\n| Feature                  | SpendWiser                               | Spreadsheets       | Other Trackers   |\n| :----------------------- | :--------------------------------------- | :----------------- | :--------------- |\n| **Dashboard**            | ✅ Fully Customizable \u0026 Interactive      | ❌ Manual setup     | ❓ Static         |\n| **SMS Automation**       | ✅ Zero-Touch (Android Companion)        | ❌ Manual entry     | 🚫 Not available    |\n| **Loan Tracker/Adviser**      | ✅ Integrated \u0026 Powerful                 | ❌ Extremely complex | ⛔️ Not available  |\n| **Analytics \u0026 Forecasts**| ✅ Integrated \u0026 Automated                | ❌ Complex formulas | ⛔️ Basic stats    |\n| **Goal Setting**            | ✅ Integrated \u0026 Automated                | ❌ Complex formulas | ⛔️ Basic or not available    |\n| **Credit Card Management** | ✅ Integrated \u0026 Automated                | ❌ Complex formulas | 🚫 Not available    |\n| **Budgeting**            | ✅ Real-time \u0026 Visual                    | ❌ Manual tracking  | ✅ Basic lists     |\n| **UI/UX**                | ✅ Modern, Responsive, Animated          | ❌ Utilitarian      | 🚫 Dated/Clunky   |\n| **Mobile Experience**    | ✅ PWA \u0026 Mobile-First                    | ❌ Desktop only     | 🚫 Poor mobile    |\n\n---\n## ⭐ Why Star This Repository?\nIf you find SpendWiser useful, please consider giving it a star! It's a simple way to show your appreciation and helps the project gain visibility in the community. More stars mean more contributors and a better tool for everyone. Thank you for your support!\n\n\n\n\n---\n\n## 🔧 Built with Modern Excellence\n\n\u003cdiv align=\"center\"\u003e\n\n\u003cp\u003e\n  \u003cimg src=\"https://img.shields.io/badge/React-18.3.1-61DAFB?style=flat-square\u0026logo=react\u0026logoColor=white\" alt=\"React\"\u003e\n  \u003cimg src=\"https://img.shields.io/badge/TypeScript-5.5.3-3178C6?style=flat-square\u0026logo=typescript\u0026logoColor=white\" alt=\"TypeScript\"\u003e\n  \u003cimg src=\"https://img.shields.io/badge/Vite-5.4.2-646CFF?style=flat-square\u0026logo=vite\u0026logoColor=white\" alt=\"Vite\"\u003e\n  \u003cimg src=\"https://img.shields.io/badge/Firebase-11.10.0-FFCA28?style=flat-square\u0026logo=firebase\u0026logoColor=black\" alt=\"Firebase\"\u003e\n  \u003cimg src=\"https://img.shields.io/badge/Tailwind%20CSS-3.4.1-38B2AC?style=flat-square\u0026logo=tailwind-css\u0026logoColor=white\" alt=\"Tailwind CSS\"\u003e\n  \u003cimg src=\"https://img.shields.io/badge/Framer%20Motion-12.23.12-0055FF?style=flat-square\u0026logo=framer\u0026logoColor=white\" alt=\"Framer Motion\"\u003e\n\u003c/p\u003e\n\n\u003c/div\u003e\n\nSpendWiser is built with a focus on performance, real-time data synchronization, and a beautiful, accessible user experience.\n\n---\n\n\u003cdetails\u003e\n\u003csummary\u003e⚡ Quick Start (For Developers)\u003c/summary\u003e\n\n1.  **Clone the repository:**\n    ```bash\n    git clone https://github.com/hariharen9/spendwiser.git\n    cd spendwiser/\n    ```\n\n2.  **Install dependencies:**\n    ```bash\n    npm install\n    ```\n\n3.  **Configure Firebase:**\n    *   Create a `.env` file in the root directory (`cp .env.example .env`).\n    *   Add your Firebase project configuration keys to the `.env` file.\n\n4.  **Launch the app:**\n    ```bash\n    npm run dev\n    ```\n\n\u003c/details\u003e\n\n---\n## 📜 License\n\n© 2026 Hariharen. All Rights Reserved.\n\nThe source code for SpendWiser is available under the [PolyForm Noncommercial License 1.0.0](https://github.com/hariharen9/spendwiser/blob/main/LICENSE).\n\n**What this means:**\n- **You are free to:** View, download, modify, and run the code for your own **personal, non-commercial use**.\n- **You are NOT allowed to:** Use this software for any commercial purpose, re-sell it, or include it in a commercial product without a separate commercial license from the author.\n- **You must:** Include the original copyright notice and license in all copies or substantial portions of the software.\n\n---\n\n\u003cdiv align=\"center\"\u003e\n  \u003cp\u003e If you find my work helpful, consider supporting me!\u003c/p\u003e\n  \u003cp\u003e\n    \u003ca href=\"https://www.buymeacoffee.com/hariharen\" target=\"_blank\"\u003e\u003cimg src=\"https://cdn.buymeacoffee.com/buttons/v2/default-yellow.png\" alt=\"Buy Me A Coffee\" style=\"height: 50px !important;width: 180px !important;\" \u003e\u003c/a\u003e\n    \u003ca href=\"https://paypal.me/thisishariharen\" target=\"_blank\"\u003e\u003cimg src=\"https://img.shields.io/badge/PayPal-Support%20Me-blue?style=flat-square\u0026logo=paypal\" alt=\"PayPal\" style=\"height: 50px !important;width: 180px !important;\"\u003e\u003c/a\u003e\n  \u003c/p\u003e\n\u003c/div\u003e\n\n---\n\u003cdiv align=\"center\"\u003e\n\n### **Ready to Master Your Finances?**\n\n\u003cp\u003e\n  \u003ca href=\"#\"\u003e\n    \u003cimg src=\"https://img.shields.io/badge/🚀%20Get%20Started%20with%20SpendWiser-Try%20the%20Demo-success?style=for-the-badge\u0026logo=rocket\" alt=\"Try SpendWiser\"\u003e\n  \u003c/a\u003e\n\u003c/p\u003e\n\n---\n\n\u003cp\u003e\n  \u003cstrong\u003eBuilt with ❤️ by\u003c/strong\u003e\u003cbr\u003e\n  \u003ca href=\"https://hariharen.site/\"\u003e\n    \u003cimg src=\"https://img.shields.io/badge/Hariharen-Full%20Stack%20Engineer-4F46E5?style=flat-square\u0026logo=github\" alt=\"Hariharen\"\u003e\n  \u003c/a\u003e\n\u003c/p\u003e\n\n\u003cp\u003e\n  \u003cem\u003e\"Clarity in finance, confidence in life.\"\u003c/em\u003e\n\u003c/p\u003e\n\n\u003c/div\u003e\n","project_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fhariharen9%2Fspendwiser","html_url":"https://awesome.ecosyste.ms/projects/github.com%2Fhariharen9%2Fspendwiser","lists_url":"https://awesome.ecosyste.ms/api/v1/projects/github.com%2Fhariharen9%2Fspendwiser/lists"}